# Testing Payments
source: https://developer.mastercard.com/open-finance-europe/documentation/licensed/aiia-enterprise/testing/testing-payments/index.md

To get ready to start testing, you might find it helpful to refer to our [Quick Start Guide](https://developer.mastercard.com/open-finance-europe/documentation/licensed/aiia-enterprise/quickstart/index.md) first.

We have created a test provider that enables you to test all possible scenarios in a simple and safe environment.

### What is a test provider? {#what-is-a-test-provider}

A test provider is a provider that simulates the interaction and behaviour of a real provider. Our test provider allows you to decide the outcome of the payment, simulate different aspects of a payment, and explore what could possibly go wrong.

We have created one test provider, called "Test Bank", that can be chosen from the bank selector in the flow. You can also select the test provider by using one of these names:

* **DK_TestBank** - Reflecting a Danish bank and accounts.
* **SE_TestBank** - Reflecting a Swedish bank and accounts.
* **NO_TestBank** - Reflecting a Norwegian bank and accounts.
* **FI_TestBank** - Reflecting a Finnish bank and accounts.
* **AT_TestBank** - Reflecting an Austrian bank and accounts.
* **BE_TestBank** - Reflecting a Belgian bank and accounts.
* **DE_TestBank** - Reflecting a German bank and accounts.
* **EE_TestBank** - Reflecting an Estonian bank and accounts.
* **ES_TestBank** - Reflecting a Spanish bank and accounts.
* **FO_TestBank** - Reflecting a Faroe Island bank and accounts.
* **GB_TestBank** - Reflecting a Great Britain/United Kingdom bank and accounts.
* **GL_TestBank** - Reflecting a Greenland bank and accounts.
* **IE_TestBank** - Reflecting an Ireland bank and accounts.
* **IS_TestBank** - Reflecting an Iceland bank and accounts.
* **IT_TestBank** - Reflecting an Italian bank and accounts.
* **LT_TestBank** - Reflecting a Lithuania bank and accounts.
* **LV_TestBank** - Reflecting a Latvian bank and accounts.
* **NL_TestBank** - Reflecting a Netherlands bank and accounts.
* **PL_TestBank** - Reflecting a Poland bank and accounts.
* **PT_TestBank** - Reflecting a Portugal bank and accounts.
* **XX_TestBank** - Reflecting an Edge case banks and accounts.

<br />

You can use the provider endpoints to determine what the providers support in terms of payment methods, which are all supported payment methods for each market.

API Reference: `GET /v1/providers`

There are a number of payment scenarios that are important to test before going live. Our test provider offers the option to set the following parameters:

* Outcome of the payment:

  * See table below
* Payment error (if the payment failed):

  * You can choose any error that we expose
* Delay for each API call:

  * You can determine the duration of delay (in milliseconds) that the test provider will wait between each request and response, to simulate the delay that will occur when calling a real bank.
* Time in pending:

  * You can determine the duration of time (in seconds) that the payment will remain in a "Pending" state after authorisation, before reaching its terminal state.

  ![Choose Outcome of Payment](https://static.developer.mastercard.com/content/open-finance-europe/uploads/choose-outcome2.png)

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The table shows what payment outcomes you can choose and what payment scenario they simulate.

|       **Name**       |                    **Type**                     |             **Option**              |
|----------------------|-------------------------------------------------|-------------------------------------|
| Payment succeeded    | Payment will always succeed                     | Choose 'succeeded'                  |
| User cancelled       | Payment will always return cancelled after flow | Choose 'Cancelled'                  |
| Authorisation failed | Authorisation of the payment fails              | Choose 'Failed after authorisation' |